Bank and Essay - 20871 Words

About 51,70,000 results (0.34 seconds) Search Results 1. 30 Best Bank Essay Topics www.selfgrowth.com †º Articles †º Success Skills †º Continuing Education No matter how good your bank essay is, if you have selected a boring ... Banking essays can be real fun to play with if you have a thorough ... Related Articles. 2. Important Essays for Bank Exams - Jagran Josh www.jagranjosh.com/articles-important-essays-for-bank-exams-1314356... Important Essays: Find Essay writing topics, Essay writing tips, Essay writing formats and other Important Essays for SBI and other Bank exams. ‎Jan Lokpal Bill - ‎Corruption In India - ‎Role of media in a democracy 3. Free banking Essays and Papers - Free Essays†¦show more content†¦3) Are the efforts taken by banks to popularise banking been successful? ... Banking related general awareness -- 6 2013 TWO. 5. 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Essay topics ~ Bank Exams www.sbank.in/2011/04/essay-topics.html Apr 23, 2011 - Essay topics ... 3) Are the efforts taken by banks to popularise banking been successful? ... Banking related general awareness -- 6 2013 TWO. 5. ESSAY WRITING -- A FEW TOPICS ~ Bank Exams About 51,70,000 results (0.34 seconds) Search Results 1. 30 Best Bank Essay Topics www.selfgrowth.com †º Articles †º Success Skills †º Continuing Education No matter how good your bank essay is,Show MoreRelatedBank Essay1152 Words   |  5 Pagesbe moved in and ready to start the rest of my life. As doing so I must have a bank to put all my money in. ive chosen 2 banks that would be good for me in college and 2 that wouldnt be so good for me. There are many banks that I was interested in when I attend college and they include the 5th and 3rd bank, 4front, Chase bank and PNC. The first bank that I was interested in for college is The 5th 3rd bank. 5th 3rd bank is open 9am to 5pm Monday-Friday and theres one right in Petoskey. With a checkingRead MoreBank Essay956 Words   |  4 PagesMany people don’t know whats the best bank for them in the future, so I am writing this to show what bank will be best for me in the future. I am going to talk about 4 banks that would be good for me. The 4 banks are 4Front credit union, Charlevoix State bank, Huntington, and 5/3rd bank. 4Front credit union will be open Monday through Friday 9:00A.M.-5:00. They are open on Saturday from 9:00A.M. to 1:00P.M. Some of the locations for 4Front are East Jordan, Boyne City, Petoskey, and Charlevoix. TheRead MoreEssay on Separation of Commercial Banks and Investment Banks1309 Words   |  6 Pagesthat merge of commercial and investment banks is a better approach to achieving stability. After the global financial crisis, the American economy went into recession. 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Why Teeth Turn Yellow (And Other Colors)

You know teeth can turn yellow from staining due to coffee, tea, and tobacco, but may be unaware of all of the other causes of tooth discoloration. Sometimes the color is temporary, while other times there is a chemical change in the composition of teeth that causes permanent discoloration. Take a look at the causes of yellow, black, blue, and gray teeth, as well as how to avoid or correct the problem. Reasons Why Teeth Turn Yellow Yellow or brown is the most common tooth discoloration. Any intensely-colored plant matter can stain teeth, as the pigment molecules bind to the surface layer of enamel. Chewing or smoking tobacco darkens and yellows teeth. Dark, acidic drinks like coffee, tea, and cola do a double-whammy as the acid makes teeth more porous, so they pick up the pigment more readily. Surface staining doesnt have to be yellow. Depending on the cause, it could be orange or even green. The good news about this type of stain is that it can be removed with good dental hygiene and using a whitening toothpaste.Mouthwash can stain your teeth. Products containing the antibacterial agents chlorhexidine or cetylpyridium chloride cause surface discoloration. The color is temporary and can be bleached away.Medications may also yellow teeth. Antihistamines (e.g., Benadryl), drugs for high blood pressure, and antipsychotics typically cause surface discoloration, which may be temporary. The antibiotics tetracycline and doxycycline become calcified in developing enamel. Wh ile the antibiotics wont noticeably stain adult teeth, these drugs can cause permanent discoloration and sometimes disfigurement of teeth if the drugs are administered to children under age 10. Pregnant women are advised against taking these antibiotics because they affect fetal tooth development. It isnt just the color of the tooth that is affected. The chemical composition of teeth is altered, making them more fragile. Bleaching wont solve these problems, so the usual treatment involves crowns or replacing teeth with implants (in severe cases).Yellowing is part of the natural aging process, as tooth enamel becomes thinner and the natural yellowish color of the underlying dentin layer becomes more visible. Thin tooth enamel also occurs in people who have a dry mouth (produce less saliva) or who routinely eat acidic foods.Chemotherapy and radiation can change the color of enamel, giving it a brownish cast.Sometimes a yellowish color is genetic. Inherited yellow enamel can usually be bleached to become brighter using over the counter whitening products.Poor dental hygiene can cause yellowing since plaque and tartar are yellowish. Brushing, flossing, and visiting the dentist are steps to address this issue.Ingesting fluoride from fluoridated water or supplements usually causes splotches in developing teeth more than overall yellowing. Too much fluoride can also disfigure teeth since the chemical structure of enamel is affected.Dying teeth appear more yellow than young, healthy teeth. Physical trauma, poor nutrition, sleep deprivation, and stress can all affect the health of underlying dentin and make it appear darker and more yellow. Causes of Blue, Black, and Gray Teeth Yellow isnt the only type of tooth discoloration. Other colors include blue, black, and gray. Dental amalgams made using mercury or sulfides can discolor teeth, potentially turning them gray or black.A severely damaged or dead tooth may have black spots as the internal tissue dies, similar to the way a bruise appears dark under the skin. Trauma can affect tooth color in both adults and children. Because this discoloration is internal, it cant simply be bleached away.There are two main causes of blue teeth. One is that a white tooth may appear blue if the tooth has a mercury-silver filling, which shows through the enamel. Damage to the root of a tooth may also show through as blue. The other main cause is when the root of a tooth fades away. This is more commonly seen in children losing their deciduous (baby) teeth​ when their teeth are otherwise very white. Enamel is crystalline apatite, so either dark underlying material or a lack of any material may make it appear blue-white.

How to write a dissertation Free Essays

How to write a dissertation? our site – DISSERTATION EXAMPLES – CUSTOM WRITING SERVICE This guide tackles what might be the most daunting aspect of your university or college career: writing your dissertation. But don’t panic: with plenty of time and careful planning you can make this daunting task much easier. Below we offer some pointers to make your dissertation go as smoothly as possible†¦ How to Plan and Write your Dissertation Many colleges and universities run workshops to help you plan your dissertation. We will write a custom essay sample on How to write a dissertation or any similar topic only for you Order Now Make sure you are aware of what’s on offer, and make full use of it. You can learn a lot from reading and talking to other people, but these specially focussed sessions are very worthwhile. You might be daunted by your dissertation, but it’s much easier to handle if you divide the process up into simple steps. The main steps involves are initial planning (including deciding upon a topic); detailed reading and planning; carrying out primary research (if applicable); writing up the draft; and finalising the dissertation. Table 1 shows typical steps in more detail†¦ It might be useful to have a time planner: table 1 shows a detailed example TaskDone?Comments Devise work schedule Decide upon a topic area Read all course documentation about dissertations or final projects Schedule session(s) with supervisor Prepare ideas for first meeting with supervisor Undertake background reading Define Title Plan approach or methodology Prepare for literature searches, including listing possible search terms Set up a recording system for searches and other activities related to the dissertation Undertake literature searches Make enquiries regarding ethics procedures, including deadlines for submissions of applications Devise research plans Discuss research plans or methodology with supervisor Devise interview schedules and/or related documentation to support field research Prepare and submit applications for ethics procedures Negotiate access to research participants if required Undertake data collection Thank you letters to participants etc. Collate data Develop plan for structure of dissertation Schedule meeting with supervisor Devise detailed writing timetable Undertake writing in stages Complete Chapter 1 Complete Chapter 2 Discuss drafts with supervisor Complete Chapter 3 Complete Chapter 4 Complete Conclusions Check timings and costs of services for printing and binding Complete all writing including references, appendices, introduction, abstract, front page Give draft to a critical reader to proof read and/or comment on the work Rest the final draft before doing a last read and edit of the dissertation or project, incorporating critical reader’s comments Print and check the document Take to printers Complete any dissemination promises to research participants Pick up from printers Submit Celebrate (any way you want!) Table 1: A planner for your dissertation (source: University of Birmingham your tutors, look at dissertations from previous years, or think about what really interests you personally. You could even be inspired by other studies: it’s a common approach to extend an existing study to wider areas, or try a new methodology. Once your topic has been given the go-ahead by your department, you need to refine the general topic and turn it into focused research questions, a working title, aims and objectives. You need to identify the main issue you will look at, work out what your thesis is (what you want to explore, prove or disprove) and set any limits to your investigations (decide what you are not interested in). Remember, it’s fine to be flexible and change your ideas as you find out more about the topic. It’s likely you will need to write a research proposal, a document of roughly 1,000 to 1,500 words in which you plan out exactly how you will write your full dissertation. Even if you don’t have to write one for your course, it’s often a useful exercise to help you focus. See our guide to research proposals for more details of how to tackle this. Your supervisor is there to help you. Make sure you get acquainted early, and don’t be afraid to ask them for meetings if they don’t ask first. They are likely to be pretty busy, so it’s always a good idea to remind them you are around! The Structure of a Dissertation Every dissertation is different, but there’s a structure which many dissertations have in common: The introduction should cover a number of areas including the background to your research topic, why the topic is important, what is currently understood about the area and what needs more research, and why your dissertation can add to the current theoretical understanding. It should also give an indication of the structure of what follows, and you might also discuss key terms here. The literature review will make up the main part of your dissertation if you are doing a study with secondary sources only. For studies including primary research, it should provide a background to this research. In either case, it will look at previous work in the field whether theoretical work or empirical studies. It’s important not just to describe existing work but also to engage with it critically. You are likely to define your research question at the end of the literature review, particularly in studies including primary data. The Methodology will deal with the research methods you use, and will explain what the methods are and justify why you use them. Here you will explain why you chose to do primary or secondary research. In general, if you are doing primary research the methodology section will be much longer as it will cover data collection, sampling, data analysis and other details. You will also need to discuss ethics here, particularly if your research involves the participation of human subjects. The results section is only relevant for primary studies. How you present the results will depend on the type of data you are collecting (presentation conventions for quantitative and qualitative data are very different). The results and discussion section are sometimes combined. The discussion and conclusion can also be combined, though this is relatively unusual. While some secondary reviews can consist only of a literature review, it is also possible to have a separate discussion section, where ideas described in the literature review are analysed, compared and contrasted. The point of the discussion, whether your study is primary or secondary, is to link findings with the research question and themes explored in your literature review. This section should take a critical and analytic perspective. The references include all the texts you cited during your dissertation. Make sure you understand what referencing system you are required to use, and stick to it. There are multiple versions of some systems, for example Harvard, so also ensure you use the version your course requires. The appendices contain information which was too long to include in the body of the text. You should put, for example, copies of the questionnaire, transcripts of interviews, complex diagrams and tables here. Seek specific guidance from your tutor(s). Bibliography BangorUniversity (2013) ‘Planning a Dissertation’, [online] (cited 15th February 2013) available from http://studyskills.bangor.ac.uk/study%20guides/dissertation_project.php.en?catid=subid=9240 London School of Economics (2013) ‘The Dissertation’, [online] (cited 15th February 2013) available from http://www2.lse.ac.uk/socialPolicy/Informationforcurrentstudents/Dissertationguidelines.aspx University of Birmingham (2013) ‘Checklist for Completing Dissertation’, [online] (cited 15th February 2013) available from http://www.google.co.uk/url?sa=trct=jq=esrc=ssource=webcd=10ved=0CGYQFjAJurl=http%3A%2F%2Fwww.socscidiss.bham.ac.uk%2FDocuments%2FDoc%25205%2520Planning%2520checklist.docei=ryweUZj6IYX64QSfiYCABQusg=AFQjCNEbNFpRf4V-pMjVn5CNd-oPEf5lVQbvm=bv.42553238,d.bGE University of Reading (2013) ‘Planning your Dissertation’, [online] (cited 15th February 2013) available from http://www.reading.ac.uk/internal/studyadvice/Studyresources/Essays/sta-planningdissertation.aspx How to cite How to write a dissertation, Essays

Professional Practice in Real Estate Samples †MyAssignmenthelp.com

Question: Discuss about the Professional Practice in Real Estate. Answer: Introduction Malaysia has expanded its real estate sector to provide houses, offices and commercial properties. Malaysian real estate sector is continue to grow after slow downturn in 2014 and 2015. The surveyors are professionally trained persons. They supervise land properties with the aim of obtaining appropriate returns. They can be investors and developers. The surveyors include physical inspection of property. A surveyor carries out market research analysis, property information service and feasibility studies. Malaysia focuses on transforming real estate. The Malaysian economy is growing sustainably even during global slowdown. A conflict of interest arises due to involvement in multiple interests. It creates risk for judgement and corrupts decision making. So, it is necessary to manage conflict of interest for surveyors. Professional Practice in Real Estate Industry in Malaysia The valuation and property services in Malaysia are governed by the Ministry of Finance. It has one quarter, fourteen state offices and thirty eight district offices. The property valuation organisation is service oriented organisation in Malaysia and it can be under government department or private enterprise. It includes consultation tasks. Such organisations provide expert opinion to clients on the matters related to real estate. The services provided by experts are property evaluation, analysing project viability, preparing market study, real-estate brokerage and property supervision (Baharum, Hwa Salleh, 2016). The real estate organisations play an important role in real estate industry development. It involves various degree of complexity and challenges in the progress of nation. The real estate organisation is an intensive organisation and contains extensive knowledge. The challenges and opportunities available in the industry becomes motivation for the surveyors to obtain knowledge from employees. The surveyors need to update and manage knowledge as clients are demanding now days (Rogers, 2017). Conflict of interest for surveyors The slow growth in loan requirements has dropped number of property transactions in Malaysia. The surveyors are required to avoid conflict of interest and identify interests and manage situations. Some conflicts are easy to identify and resolve while others require careful thought. It is the responsibility of surveyors to identify and deal with the conflicts properly (Zainuddin Nordin, 2016). The identification andmanagement of conflicts of interests in an effective manner are challenging but important ingredient of professionalism. Checking conflicts of interest The conflict of interests can be checked and dealt by robust systems at place. RICS Regulation Annual review for the year 2013- 14 recorded that the registered valuers commonly fail at audit due to the lack of robust or a system. This can be utilized for the purpose of checking conflict of interest and where such system exists, there is failure in recording the results of checks (Azmi, Nawawi, Ab Latif Ling, 2015). Most common conflicts arise when more than one client is acted for the same transaction. Individuals can easily avoid such situations however it becomes difficult for larger businesses with multiple offices. In case of identification of conflict, robust rules are required to be put in place regarding transparency, declarations and resolutions. Difference of opinions may arise regarding the question of continuation of a particular situation. The avoidance of such situations are becomes must however there are reasons when the client request for proceeding. Therefore, the existence of conflict must be declared to the relevant parties and their written assignment must be secured for proceeding further (Ochieng, Abdulai, Obeng-Odoom Malien?, 2017). Misunderstandings can result in vulnerability to action in cases where there is no written evidence. Think carefully The principle of transparency is considered as a good option. In the real estate industry of Malaysia focus is given on transparency. The openness with the parties to a transaction reduces the chances of conflict. For example, in cases where a client is introduced to an investment property at an agreed purchase fee required to be paid when the transaction is successfully completed. Here the purchase fee will only be received if the transaction proceeds and not in other cases which can result in conflict of interest (Jiram, Bujang, Zarin Latib, 2016). Mitigating factors are considered as protective of the interest of the client. In situations where the client is provided with more than one service on the same transaction, there arises some tension for the individual provider of those services if success related fee is involved in one of those services. The fee can be adjusted by allowing independent provision of the additional services by other firms. For many years, multiple provision of services has been in the market and diversion of fees to an opponent can be found by many firms as unacceptable. A good practical guidance is provided by the RICS Malaysia Commercial Real Estate Agency Standards on the effective handling of conflicts. The guidance states that both the terms of acquisitions and sales instructions should be in writing which also includes the odd purchase transaction that arises from introductions. It is to ensure that the client is made aware regarding all the possible conflicts that may arise along with the provision of opportunity for discussing them (Adnan, Daud, Alias Razali, 2017). After this, a written agreement should be prepared on the approach adopted. Sharpening Skills In 2017, the economic growth of Malaysian economy is expected to be lower. In this scenario a formal CPD training must be undertaken by all the practicing chartered surveyors along with the recording of their activities with the help of RICS website. It is easier for firms to conduct training sessions that will assist in testing the abilities of the individual surveyors regarding the handling the situations o conflict (Hamzah, Yahya, Sarip Mohd Adnan, 2016). The well- functioning of the property market for many years has led to the establishment of the market practices. The key objectives behind regulation include providing reassurance and confidence to the end customer that highest quality service is being provided which is uninfluenced by any bad practices. Every step taken by the surveyor must include the principle of openness. There is no risk and fear to the surveyor when they bring openness and agreement seeking in their actions (Jiram, Bujang, Zarin Latib, 2016). Disclosure The drop number of property transactions in Malaysia has increased cost of living and economic uncertainties. So before carrying out real estate work as a surveyor or someone connected has interest in selling and buying property must follow instructions as per act. To buyers: If a person is interested in selling property directly or indirectly than he should disclose conflict of interest to buyers in writing who has financial interest. The seller should inform buyer for the benefit he will get financially from transaction. To seller: If a person is engaged or interested in selling property directly or indirectly to buyer than the seller should follow the following instructions: The seller should work independently to sell property. The surveyor is recommended to no longer act for seller. If a surveyor is one person agency than it is recommended that seller goes to another agency. Personal connections The real estate agency act has specified rules to protect interest of buyers and sellers in the case of conflict of interest. It defines someone connected as: Any person in surveyors employment A partner under partnership agreement Any entity that has common interest Ways to avoid conflict of interest Knowledge management The real estate organisations in Malaysia involves a lot of consultation tasks and giving expert opinions on the matters related to property. Knowledgemanagement is important to protect interest of clients. Knowledge is collection of data and information which can be achieved through interpretation and context process. It can further be divided into tacit and unambiguous knowledge. The knowledge management is a framework acquired from employees of organisation to communicate surveyors. Communication is the process to share information. It can provide better knowledge to surveyors regarding trends in real estate. For the valuation practice knowledge is the key element for valuers. Having good knowledge of environment can help surveyors to gain competitive advantage (Lim, How, Liew, Chye Sarah, 2016). Knowledge management implementation model Theknowledge management is a multiple approach which covers essential elements of sector. A good knowledge management increases the competitive advantage. It enables fast decision making. The traditional approach of doing things can help in understanding need of industry (Sanni Hashim, 2016). A basic knowledge management model includes three categories known as cognitive domain layer, functional layer and resources layer. These layers represent the function of industry. Other than implementation model there are measures which can be taken to influence knowledge management performance. It determines the critical factors for the success of industry (Baffour Awuah Gyamfi-Yeboah, 2017). The investors and developers should focus on risks where markets are strong. The Malaysian Real Estate Market Outlook retrieves information from CBRE 2017. Boon: The real estate investment is one of the safest form of investment. The genuine demand leads the market. The market is expected to cool down with prices becoming negotiable. The areas with good transportation connectivity such as MRT, highways and HSR continue to be hotspots. The demand for affordable houses is likely to become intense. Bane: More experienced home buyers Challenging years can be for developers. There can be ongoing concern due to low crude oil prices and geo political issues. Conclusion From the above report it can be concluded that conflict arises among investors because of difference in interest. But this situation can be easily avoided and situation can be managed. Some interests are easy to categorise and resolve while others require careful thought. The surveyors are responsible to identify and deal with the conflicts. The identification and management of conflicts of interests in an effective manner is challenging but it can be made possible by thinking carefully and sharpening skills. Disclosure of information by industry has helped surveyors to avoid conflict. The knowledge management implementation model has also helped surveyors to overcome conflict of interest. References Adnan, Y.M., Daud, M.N., Alias, A. and Razali, M.N., (2017). Importance of soft skills for graduates in the real estate programmes in Malaysia.Journal of Surveying, Construction and Property, [Online]. Available at: https://mjs.um.edu.my/index.php/JSCP/article/download/5806/3568 [Accessed on: 7 March 2018]. Azmi, A.S.M., Nawawi, A.H., Ab Latif, S.N.F. and Ling, N.L.F.J., 2015. Knowledge Management Obstacles in Real Estate (Valuation) Organisations: Towards quality property services.Procedia-Social and Behavioral Sciences,[Online]. Available at: https://ac.els-cdn.com/S1877042815048673/1-s2.0-S1877042815048673-main.pdf?_tid=d08322e6-13c0-482f-b6c0-4676f1bebdf1acdnat=1520409606_4ebcdfe361146089957b4715024f83d7 [Accessed on: 7 March 2018]. Baffour Awuah, K.G. and Gyamfi-Yeboah, F., 2017. The role of task complexity in valuation errors analysis in a developing real estate market.Journal of Property Research, [Online]. Available at: https://www.tandfonline.com/doi/abs/10.1080/09599916.2017.1315444 [Accessed on: 7 March 2018]. Baharum, Z.A., Hwa, T.K. and Salleh, S.M., 2016. Competency Framework for the Property Management Industry.Environment-Behaviour Proceedings Journal,[Online]. Available at: https://ebpj.e-iph.co.uk/index.php/EBProceedings/article/view/114/pdf [Accessed on: 7 March 2018]. Hamzah, H., Yahya, Z., Sarip, A.G. and Mohd Adnan, Y., 2016. Impact of entrepreneurship education programme (EEP) on entrepreneurial intention of real estate graduates.Pacific Rim Property Research Journal,[Online]. Available at: https://umexpert.um.edu.my/file/publication/00008110_136064.pdf [Accessed on: 7 March 2018]. Jiram, W.A., Bujang, A.A., Zarin, H.A. and Latib, A.A., 2016. Assessing the Adequacy of Assimilation of Real Estate Graduate's Generic Competency.International Journal of Information and Education Technology,[Online]. Available at: https://www.researchgate.net/publication/276379788_Assessing_the_Adequacy_of_Assimilation_of_Real_Estate_Graduates_Generic_Competency [Accessed on: 7 March 2018]. Jiram, W.A., Bujang, A.A., Zarin, H.A. and Latib, A.A., 2016. Measuring the Sufficiency of the Infusion of Generic Skills of Real Estate Graduates by Training.International Journal of Information and Education Technology,[Online]. Available at: https://www.ijiet.org/vol6/666-K00012.pdf [Accessed on: 7 March 2018]. Lim, H.K., How, H.Y., Liew, S.Y., Chye, K.Y. and Sarah, A.P., 2016.The Investment Return of Real Estate Industry to Investors: A Study based in Malaysia, [Online]. Available at: https://eprints.utar.edu.my/2365/1/FN-2016-1301981.pdf [Accessed on: 7 March 2018]. Ochieng, D.E., Abdulai, R., Obeng-Odoom, F. and Malien?, V., 2017. Real estate, construction and economic development in emerging market economies. [Online]. Available at: https://www.researchgate.net/profile/Dr_Edward_Ochieng/publication/283715902_Real_Estate_Construction_and_Economic_Development_in_Emerging_Market_Economies/links/57f7b19308ae886b89835d59/Real-Estate-Construction-and-Economic-Development-in-Emerging-Market-Economies.pdf [Accessed on: 7 March 2018]. Rogers, D., 2017. Becoming a super-rich foreign real estate investor: Globalising real estate data, publications and events. [Online]. Available at: https://link.springer.com/chapter/10.1057/978-1-137-54834-4_5 [Accessed on: 7 March 2018]. Sanni, A.O. and Hashim, M., 2016. A review of public private partnership procurement practice in Malaysia.International Journal of Technological Learning, Innovation and Development,[Online]. Available at: https://www.inderscienceonline.com/doi/abs/10.1504/IJTLID.2016.075178 [Accessed on: 7 March 2018]. Zainuddin, Z. and Nordin, N., 2016. Addressing governance issue in Islamic real estate investment (I-REITs): a case study for OIC country Malaysia.International Journal of Islamic Business (IJIB),[Online]. Available at: https://www.ijib.uum.edu.my/data07/IJIB%2011(2016)%2060-75.pdf [Accessed on: 7 March 2018].